In 2008, my wife and I decided that we needed to get on a budget. It wasn’t easy and we worked on it, month after month. At the beginning of the year, I took a second job and worked from home for 6 months to make some extra cash to pay for the baby delivery. We started to make progress in January, but in February everything was put on hold because I fell and broke my hand on some ice. This set us back around $2,500 and we then owed even more than what we did at the beginning of the year. But we worked hard, and paid our debts down and paid $11,700 in really 10 months. Did I forget to mention that we also had a baby in June! By the time the baby came we had already paid down our debt that we didn’t even include our debt from the baby delivery. We had all of our Baby Bills paid within 2 months because we had saved and planned for him to come.